Mitigate wildfire risk with precision catastrophe modeling
Escalating wildfire volatility threatens property insurance portfolios. Cotality’s advanced stochastic model delivers the technical precision needed to accurately quantify exposure, prevent correlated losses, and secure underwriting profitability.
Wildfire catastrophe modeling for insurers
Climate shifts, Wildland-Urban Interface (WUI) expansion, and inflation have transformed wildfire risk into a material threat for Western U.S. property insurers. Cotality provides the predictive analytics required to assess this evolving exposure and protect underwriting margins.
8x
Annual area burned by Western U.S. wildfires has increased eightfold since 1985, accelerating portfolio exposure.
10x
Wildfires caused $81.6B in damages from 2017–2021—a 10x increase over the previous five years, compounding insurer losses.
46%
U.S. homes in wildfire-prone zones grew 46% from 1990–2020, significantly raising correlated structural risk.
Strategic wildfire risk models
High-fidelity modeling
Our wildfire model acts as a predictive digital twin of the landscape, accounting for climate variability, human ignition volatility, and the mitigation steps taken at individual property levels.
Granular risk precision
To optimize portfolio management, our model resolves the strict "Risk Gradient." This prevents the blind accumulation of correlated losses by calculating accurate risk differentials between adjacent properties.
Seamless API interoperability
Utilizing standardized inputs, secure cloud computing, and seamless APIs, Navigate delivers scalable, real-time data. Easily integrate high-fidelity catastrophe modeling outputs directly into your existing underwriting workflows.
How can we help you?
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